US20090089190A1 - Systems and methods for monitoring financial activities of consumers - Google Patents

Systems and methods for monitoring financial activities of consumers Download PDF

Info

Publication number
US20090089190A1
US20090089190A1 US12/239,647 US23964708A US2009089190A1 US 20090089190 A1 US20090089190 A1 US 20090089190A1 US 23964708 A US23964708 A US 23964708A US 2009089190 A1 US2009089190 A1 US 2009089190A1
Authority
US
United States
Prior art keywords
financial
data
consumer
account
time
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
US12/239,647
Inventor
Rollin M. Girulat, JR.
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Life Technologies Corp
Experian Information Solutions LLC
Original Assignee
Experian Information Solutions LLC
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority to US97575407P priority Critical
Application filed by Experian Information Solutions LLC filed Critical Experian Information Solutions LLC
Priority to US12/239,647 priority patent/US20090089190A1/en
Assigned to EXPERIAN INFORMATION SOLUTIONS, INC. reassignment EXPERIAN INFORMATION SOLUTIONS, INC. ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: GIRULAT, JR., ROLLIN M.
Publication of US20090089190A1 publication Critical patent/US20090089190A1/en
Assigned to Life Technologies Corporation reassignment Life Technologies Corporation ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: ACOUSTIC CYTOMETRY SYSTEMS, INC.
Priority claimed from US15/089,241 external-priority patent/US9690820B1/en
Application status is Abandoned legal-status Critical

Links

Images

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • G06Q40/025Credit processing or loan processing, e.g. risk analysis for mortgages
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06Investment, e.g. financial instruments, portfolio management or fund management
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12Accounting

Abstract

Systems and methods are disclosed for monitoring consumer financial data. Clients such as financial institutions or debt buyers identify one or more consumers for which monitoring is desired. Historical financial data, such as credit data, is periodically compared with current financial data according to a number of logical rules or financial triggers. The financial triggers correspond to improvements in a financial position of a consumer. When a financial improvement is determined according to the logical rules, an alert is generated and sent to the client, allowing the client to adjust a collection strategy.

Description

    CROSS-REFERENCE TO RELATED APPLICATIONS
  • This application claims the benefit of priority from U.S. Provisional Patent Application No. 60/975,754 filed on Sep. 27, 2007, entitled “Systems and Methods for Monitoring Credit Activity Changes and Generating Alerts,” the entire contents of which are hereby incorporated herein by reference in their entirety. All publications and patent applications mentioned in this specification are herein incorporated by reference in their entirety to the same extent as if each individual publication or patent application was specifically and individually indicated to be incorporated by reference.
  • TECHNICAL FIELD
  • This disclosure relates generally to financial data processing, and more particularly to methods and systems for identifying improvements in consumer financial positions and generating client alerts.
  • DESCRIPTION OF THE RELATED ART
  • Various financial service providers provide credit accounts such as mortgages, automobile loans, credit card accounts, and the like, to consumers. Some of these consumers experience financial difficulties and are unable to meet the obligations associated with their credit accounts. These financial difficulties often extend for several years. After a period of unsuccessful collection efforts, the financial service providers that originally extended credit to these consumers (or collection agencies and/or debt buyers that have acquired the accounts) may make an economic decision to abandon collection efforts. Many consumers who experience financial difficulties, even for several years, eventually improve their economic situation to the extent that they would be able to make payments towards their outstanding debt. However, they are unlikely to do so without some collection effort by the financial service providers, collection agencies, or debt buyers.
  • SUMMARY OF THE INVENTION
  • A system is described to provide financial improvement alerts to a financial service provider (which may include the creditor that originally granted credit to the consumer, a collection agency, a debt buyer, or any other entity that is involved in the collection effort) indicating changes in a consumer's financial data that are indicative of an increase in the consumer's ability to repay at least a portion of their outstanding debt. As used herein, the term “financial data” may include any type of financial data, such as credit data, debit data, bank records, public records, and/or any other data that may be used in order to identify an improvement in the consumer's financial position.
  • These financial improvement alerts may be transmitted to the financial service provider in order to signal the provider that the consumer may be in a better position to repay his or her outstanding debt. Thus, in response to receiving a financial improvement alert for a particular consumer, a creditor (or other financial service provider) may determine that collection efforts should be initiated and/or increased in view of the indicated improvement in the consumer financial profile. According to one embodiment, a computer system monitors a consumer's financial data, determines when that consumer has engaged in activities indicating a financial improvement, and then generates an alert for certain financial service providers.
  • According to one embodiment, a financial service provider or collection agency identifies at least one consumer to be monitored for financial improvement. Financial data is collected and monitored for the identified consumers. Current financial data may be compared with historical financial data for the identified consumers according to one or more rules. The rules comprise financial improvement triggers that are activated when a consumer engages in an activity that represents an improved economic condition and/or the ability to repay existing debt. When one of the triggers is activated for a monitored consumer, an alert is generated and sent to any financial service provider or collection agency that had requested monitoring of the consumer.
  • One embodiment is a computer implemented method for generating an alert based on consumer financial data, the method comprising: receiving from a financial service provider a request to monitor a consumer for financial improvements that are indicative of an increased likelihood that the consumer will pay an outstanding debt, the request comprising at least a name and address of a consumer for monitoring; accessing first financial data associated with the consumer, the first financial data comprising data for each of one or more financial accounts associated with the consumer at a first time; accessing second financial data associated with the consumer, the second financial data comprising data for each of one or more financial accounts associated with the consumer at a second time, wherein the second time is later than the first time; comparing the first and second financial data to determine whether a predetermined difference exists between the first financial data and the second financial data, the predetermined difference representing an improvement in one or more of the financial accounts between the first time and the second time such that the consumer appears to be in a better position to make payments towards the outstanding debt; and generating an alert for transmission to the financial service provider.
  • Another embodiment is a computer system for generating alerts based on consumer financial activity, the computer system comprising: a financial database that stores current financial data; a historical database that stores historical credit data; and a trigger module. The trigger module is configured to receive a list of consumers to monitor; access the financial database on a periodic basis and retrieve the current financial data for consumers on the list; for each consumer, compare the current financial data against the historical financial data stored in the historical database to determine if any differences in the current and historical financial data are indicative of financial improvement for the consumer; and generate a financial improvement alert indicating those zero or more consumers for which the current and historical financial data are indicative of financial improvement.
  • These and additional embodiments are discussed in greater detail below. Numerous other advantages and features of the present invention will become readily apparent from the following detailed description of the invention and the embodiments thereof, from the claims and from the accompanying drawings.
  • BRIEF DESCRIPTION OF THE DRAWINGS
  • The objects, features and advantages of the present invention will be more readily appreciated upon reference to the following disclosure when considered in conjunction with the accompanying drawings and examples which form a portion of the specification, in which:
  • FIG. 1 is a block diagram of a system for tracking changes in consumer financial data and generating financial improvement alerts according to one embodiment;
  • FIG. 2 shows sources of financial data in a financial database according to one embodiment;
  • FIG. 3 is a flowchart showing a process for determining whether a financial improvement trigger has been activated and generating alerts;
  • FIG. 4A shows a current financial database record according to one embodiment;
  • FIG. 4B shows a historical financial database record according to one embodiment; and
  • FIG. 5 is a flowchart showing another process for determining whether a financial improvement trigger has been activated and generating alerts.
  • DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT
  • Embodiments of the invention will now be described with reference to the accompanying figures, wherein like numerals refer to like elements throughout. The terminology used in the description presented herein is not intended to be interpreted in any limited or restrictive manner, simply because it is being utilized in conjunction with a detailed description of certain specific embodiments of the invention. Furthermore, embodiments of the invention may include several novel features, no single one of which is solely responsible for its desirable attributes or which is essential to practicing the inventions herein described.
  • Computer Hardware Embodiments
  • FIG. 1 is one embodiment of a block diagram of a computing system 100 that is in communication with a network 160 and various devices that are also in communication with the network 160. The computing system 100 may be used to implement certain systems and methods described herein. For example, the computing system 100 may be configured to receive financial and demographic information regarding individuals and generate reports and/or alerts for one or more clients (e.g., financial service providers, such as creditor originators, collection agencies, debt buyers, or any other entities that would be interested in learning of improvements in the financial situations of particular consumers). Although the description provided herein refers to individuals, consumers, or customers, the terms “individual,” “consumer,” and “customer” should be interpreted to include applicants, or groups of individuals or customers or applicants, such as, for example, married couples or domestic partners, and business entities. The functionality provided for in the components and modules of computing system 100 may be combined into fewer components and modules or further separated into additional components and modules.
  • The computing system 100 may include, for example, a personal computer that is IBM, Macintosh, or Linux/Unix compatible. In one embodiment, the computing system 100 comprises a server, a laptop computer, a cell phone, a personal digital assistant, a kiosk, or an audio player, for example. In one embodiment, the exemplary computing system 100 includes a central processing unit (“CPU”) 105, which may include a conventional microprocessor. The computing system 100 further includes a memory 130, such as random access memory (“RAM”) for temporary storage of information and a read only memory (“ROM”) for permanent storage of information, and a mass storage device 120, such as a hard drive, diskette, or optical media storage device. Typically, the modules of the computing system 100 are connected to the computer using a standards based bus system. In different embodiments, the standards based bus system could be Peripheral Component Interconnect (PCI), Microchannel, SCSI, Industrial Standard Architecture (ISA) and Extended ISA (EISA) architectures, for example.
  • The computing system 100 is generally controlled and coordinated by operating system software, such as Windows 95, Windows 98, Windows NT, Windows 2000, Windows XP, Windows Vista, Linux, SunOS, Solaris, or other compatible operating systems. In Macintosh systems, the operating system may be any available operating system, such as MAC OS X. In other embodiments, the computing system 100 may be controlled by a proprietary operating system. Conventional operating systems control and schedule computer processes for execution, perform memory management, provide file system, networking, I/O services, and provide a user interface, such as a graphical user interface (“GUI”), among other things.
  • The exemplary computing system 100 may include one or more commonly available input/output (I/O) devices and interfaces 110, such as a keyboard, mouse, touchpad, and printer. In one embodiment, the I/O devices and interfaces 110 include one or more display device, such as a monitor, that allows the visual presentation of data to a user. More particularly, a display device provides for the presentation of GUIs, application software data, and multimedia presentations, for example. The computing system 100 may also include one or more multimedia devices 140, such as speakers, video cards, graphics accelerators, and microphones, for example.
  • In the embodiment of FIG. 1, the I/O devices and interfaces 110 provide a communication interface to various external devices. In the embodiment of FIG. 1, the computing system 100 is coupled to a network 160, such as a LAN, WAN, or the Internet, for example, via a wired, wireless, or combination of wired and wireless, communication link 115. The network 160 communicates with various computing devices and/or other electronic devices via wired or wireless communication links. In one embodiment, the computing system 100 is in communication with certain devices, such as the financial database 162, demographic data source 166, and historical database 163, via a secured local area connection, while the computing system 100 is in communication with the client 164 via a combination of a local area network and the Internet.
  • According to FIG. 1, information is provided to computing system 100 over the network 160 from one or more data sources including, for example, one or more of the financial database 162, the historical database 163, the client 164, and the demographic data source 166. The information supplied by the various data sources may include credit data, demographic data, application information, product terms, accounts receivable data, and financial statements, for example. In addition to the devices that are illustrated in FIG. 1, the network 160 may communicate with other data sources or other computing devices. In addition, the data sources may include one or more internal and/or external data sources. In some embodiments, one or more of the databases or data sources may be implemented using a relational database, such as Sybase, Oracle, CodeBase and Microsoft® SQL Server as well as other types of databases such as, for example, a flat file database, an entity-relationship database, and object-oriented database, and/or a record-based database.
  • Client 164 may comprise, for example, a financial service provider, such as an originating creditor, a collection agency, and/or a debt buying entity. Although one client 164 is shown in FIG. 1, any number of clients 164 may communicate with the computing system 100 over the network 160. The client 164 may provide data related to consumer credit activity, such as opening new accounts, making payments on existing accounts, or the like. In addition to supplying data, client 164 may further request information from the computing system 100. For example, the client 164 may request financial improvement alerts for consumers monitored by the computing system 100. The client 164 may supply a list of consumers for whom monitoring is needed. For example, client 164 may comprises a retailer having thousands of customers including several hundred customers with 120 day past due account statuses. The retailer may generate a file listing these several hundred customers and transmit the list to the computing system 100 for monitoring for financial improvement. The file listing the customers for monitoring may be in any suitable file format, such as comma separate value (CSV), Extensible Markup Language (XML), or any other file format that is usable by the computing system 100.
  • The computing system of FIG. 1 also includes a trigger module 150 that is configured to access financial data of consumers and compare historical financial data of customers with current financial data of those consumers. For example, the trigger module 150 may receive a list of consumer's that the client 164 wishes to monitor for financial improvement. In response to this request (assuming the proper consumer identification information is provided and the client 164 has paid for the monitoring service), the trigger module 150 may periodically access the historical and current data for those consumers and compare the two sets of data for each consumer according to one or more financial improvement triggers (e.g., a set of logical rules) in order to identify consumers having an actual or predicted improvement in their ability and/or desire to pay existing and outstanding debt. For example, a financial improvement trigger may be activated when a consumer has brought an outstanding account from 90+ days past-due status to 30 days past-due status or better by making one or more payments.
  • In one embodiment, the trigger module 150 generates alerts that are transmitted to the client 164 when a financial improvement trigger is activated. The alert may be provided to the client 164 in various formats, such as an email, a file indicating alerts for each of a plurality of consumers (such as the list of several hundred consumer provided by the exemplary retailer noted above, with an indication as to which, if any, of the consumers match one or more financial improvement rules), a web interface, or any other suitable format. In general, an alert indicates to the client 164 that a consumer having accounts with outstanding debt, such as an account for which collection efforts have previously been abandoned, may now be a good target for renewed collection efforts. This module may include, by way of example, components, such as software components, object-oriented software components, class components and task components, processes, functions, attributes, procedures, subroutines, segments of program code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays, and variables.
  • Financial Databases and Data Sources
  • FIG. 2 shows a diagram illustrating that in one embodiment the financial database 162 comprises data obtained from various data sources, including but not limited to tradeline data 210, public records data 220, a credit bureau database 230, and external client data 240. In one embodiment, the financial database comprises consumer credit files that are maintained by a credit bureau. Depending on the embodiment, the financial database 162 may comprise multiple databases, or other data structures, that may be operated and/or controlled by different entities. In addition, the data may include externally stored and/or internally stored data. In certain embodiments, tradeline data 210 and public records data 220 is received by the credit bureau database 230. In other embodiments, the financial database 162 comprises only a subset of the data available from the various data sources set forth above. The data stored in the financial database 162 may be compiled and formatted by the computing system 100. For example, the computing system 100 may receive credit data from multiple sources such as the client 164 and the demographic data source 166. In one embodiment, the computing system 100 comprises a local copy, such as in the mass storage device 120 or a storage device that is accessible via a local area network, of at least a portion of the financial database 162. This local copy of the financial database 162 may be updated periodically, such as daily, weekly monthly, or at any other interval, in order to provide timely financial data to the trigger module 150.
  • The historical database 163 (FIG. 1) stores historical financial data. According to some embodiments, snapshots of financial database 162 at various times are stored in historical database 163. That is, before financial database 162 is updated with new credit data, for example once each month, the existing data is stored with a timestamp in historical database 163. Historical database 163 may store one or more such snapshots. For example, historical database 163 may store a snapshot of financial database 162 for every month, or historical database 163 may store only a previous month's snapshot. As described in more detail below, by comparing historical credit data stored in historical database 163 with current credit data stored in financial database 162, financial improvements may be determined. Depending on the embodiment, historical and financial databases 162, 163 may be stored on separate physical storage devices or may be both stored on common storage devices, such as a linked array of servers. In one embodiment, the computing system 100 comprises the historical database 163 or a local copy of at least a portion of the historical database 163 in the mass storage device 120 or a storage device that is accessible via a local area network.
  • Monitoring Financial Activity and Generating Alerts
  • FIG. 3 shows a process 300 for monitoring historical and current credit data and generating an alert based on changes in consumer financial activity according to one embodiment. The process 300 may be implemented by the trigger module 150 using data from the financial database 162, the historical database 163, and the client 164. Depending on the embodiment, the method of FIG. 3 may include fewer or additional blocks and may be performed in a different order than is illustrated.
  • The process 300 begins at block 301 where one or more consumers are identified to be monitored. Consumers to be monitored may be determined, for example, based on a list file provided by a client 164. The client 164 may provide identifying data such as a consumer name, address, and/or social security number in order to identify each consumer. A web page stored on the computing system 100 may be accessed by the client 164 in order to provide consumer information in some embodiments. According to some embodiments, the computing system 100 monitors each consumer for which credit records are available. In an embodiment where all consumer financial data is stored as snapshots in the historical database 163, historical snapshots of consumer financial data may be available at initiation of a financial improvement monitor by the client 164,
  • Next, at block 302, current consumer financial data for the determined or selected consumer is accessed or received. In one embodiment, current credit data is maintained and may be accessed from the financial database 162. In some embodiments, current credit or financial data is obtained from a combination of data sources, such as the financial database 162, clients 164, demographic database 166, and/or one or more other data sources, and the data is maintained and saved by the computing system 100. In some embodiments, new data is obtained in real time when a client request is received, or when a periodic application of financial improvement triggers is performed.
  • An example of a current financial record 400 stored in a financial database 162 is illustrated in FIG. 4A. In one embodiment, the financial record 400 comprises data from a credit report and/or other financial data sources. Exemplary current financial record 400 contains a number of fields, but alternative or additional fields may be stored in current financial record 400 according to some embodiments. In addition, financial data of consumers may be stored in any other suitable format, such as in text, spreadsheet, extensible markup, or database files, for example. As shown in FIG. 4A, the current financial record 400 comprises first and last name fields 401. In the example shown, the first name has a value of “John” and the last name has a value of “Doe.” The current financial record 400 further comprises consumer identification information 402 such as an address, social security number and a consumer PIN (e.g., a unique identification number).
  • Current financial record 400 further comprises an entry date field 403 identifying the date on which the current financial record 400 was stored. In the example shown, the entry date field 403 has a value of “Jul. 31, 2007.” The current financial record 400 may represent the most recent information corresponding to that consumer. As described above, data may be obtained in real time when a client request is made or when indicated by a predetermined schedule according to certain embodiments.
  • Current financial record 400 further comprises credit account No. 1 information 404 and credit account No. 2 information 405. Information related to two accounts is shown, but any number of accounts may be represented in the current financial record 400. The number of accounts listed may be dependent on the credit activity of the consumer, the number of accounts for which credit data is available, or any other parameters.
  • Credit account No. 1 information 404 includes the name of the credit provider (or some other identifier of the credit provider), the status of the credit account, the balance of the account, the amount due, the last payment date, and the last payment amount. The account information 400, 404 may correspond to respective credit card, loan, mortgage, revolving, or any other type of account associated with the consumer. The fields displayed in entry 400 or stored in entry 400 may vary based on the type of account. For the entry 400, the account No. 2 information 405 is similar to the account No. 1 information 404 except that the accounts are provided by different providers and different values populate these fields. In some embodiments, different fields may be used for different accounts depending on the type of account, the data available, or similar factors.
  • Referring again to the process 300 in FIG. 3, the historical credit data for the monitored consumer is accessed at block 303. Historical credit data may be accessed from historical database 163.
  • FIG. 4B shows a historical financial record 410 for the monitored consumer. The record 410 corresponds to a snapshot of financial data for the same consumer, “John Doe,” indicating financial data of John Doe at a previous point in time. Thus, the name fields 401 and the address, social security number, and customer PIN fields 402 are identical in each of the current financial record 100 and historical financial record 410. However, the entry date for the historical financial record 410 is “Jun. 30, 2007,” which is approximately one month before the Jul. 31, 2007 entry date of the current financial record 400. In other embodiments, historical financial record 410 may be from a different time period, for example, from 90 days or 180 days ago. Additionally, the historical database 163 may store multiple financial records for a particular consumer, such as monthly snapshots of the consumer's financial data over a period of several years.
  • At block 304, the historical consumer financial data, such as the historical financial data in the historical financial record 410, is compared to the current consumer financial data, such as the current financial data in the current financial record 400, such as by the trigger module 150 of the computing system 100 (FIG. 1). Thus, the trigger module compares current financial data to at least one snapshot of historical financial data. The historical record 410 comprises account information fields 404 and 405 that indicate the same account providers as in the current financial record 400. However, the account information has been updated in the current financial record 400 due to recent activity by the consumer. In the historical record 410, account No. 1 has the status of 60 days past due, and account No. 2 has the status of 90 days past due. However, by comparison to the current record 400, payments have been made and the accounts have been brought closer to on-time status. That is, as of Jul. 31, 2007, account No. 1 is now only 30 days past due, and account No. 2 is now on-time, as indicated in the current financial record 400.
  • Returning to FIG. 3, at decision block 305, the computing system 100 determines if the comparison is indicative of financial improvement by the consumer selected at block 301. Financial improvement may be, for example, bringing the accounts closer to being on-time, making a predetermined number of payments after a period of inactivity, increasing the amount of available credit by making payments, or any other activity that reflects the ability to make a new payment. A set of logical rules may be implemented to automatically determine whether a financial improvement exists. One example rule may be that whenever any account gets brought from 90 days or more past due to 60 days or less past due, a financial improvement trigger is activated and a corresponding alert is transmitted to the client. Any number of rules may be implemented. Different clients may use different rules. For example, one client may be interested in being alerted when any payments are made, while another client may only be interested in being alerted when one or more accounts are brought into on-time status.
  • Comparing the current financial record 400 with historical financial record 410 at block 304, the trigger module 150 determines that both account no. 1 and account no. 2 have been brought closer to on-time status, with account no. 2 now current in the current financial record 400 after being 90 days past due the previous month. This change could activate one or more financial improvement triggers based on the illustrative rules noted above. Furthermore, payments have been made between the time of entry 410 and entry 400. This activity may also be captured with additional rules. Some example rules include: bringing account from 90 days, 60 days, or 30 days past due to current and reducing account balances. While the consumer had previously been a non-paying consumer for these accounts, the consumer has now shown a willingness and ability to pay the amounts due on these accounts. This may indicate to other financial service providers having outstanding accounts with this consumer that collection efforts from the consumer should be renewed. If it is determined that the comparison is indicative of financial improvement and one or more rules were activated, then the process 300 continues to block 306. If the comparison at block 304 is not determined to be indicative of financial improvement at block 305, then the process 300 skips block 306 and proceeds to block 307.
  • At block 306, a client 164 that has requested alerts for detected consumer financial improvement is notified. Notification may come in the form of a report, an e-mail, an automatically generated letter, or any other format that informs the client of the event. The alert may include specific financial data related to the consumer, may indicate only that a particular rule has been activated, or may simply indicate the improvement. After the alert has been generated, the process 300 proceeds to block 307.
  • At block 307, the system waits until the next comparison event. For example, consumer credit records may be compared once every month, whenever the financial database is updated, when a client requests information, or at some other time or according to another schedule.
  • In another embodiment, financial improvement rules may monitor for opening of new accounts and/or closing of existing accounts. Thus, the comparison operation performed in block 304 may additionally include accessing utilities records to determine if the consumer has opened any new utilities accounts such as phone, internet, cable, electric, or gas. The opening of new utilities accounts may be indicative of financial improvement as well.
  • In an alternate embodiment, the trigger module 150 performs a different process 500 as shown in FIG. 5. Operations performed at blocks 501-505 are similar to those performed at blocks 301-305. In this alternate embodiment, at block 506, the trigger module 150 additionally determines whether a consumer whose credit or financial data has indicated financial improvement also has a credit score that indicates financial improvement. In one embodiment, the consumer's current credit score is compared to his or her historical credit score(s) that have been periodically stored in the historical database 163. If the improvement in the credit score is greater than a pre-defined threshold, the consumer is deemed to have made a financial improvement. In another embodiment, a consumer credit score that meets a pre-defined raw score threshold is deemed to have made financial improvement. The pre-defined threshold may be one point, two points, five points, ten points, twenty points, fifty points, one hundred points, two hundred points, or any other number of points that is needed to determine financial improvement.
  • Since a credit score is indicative of a consumer's overall financial health, this additional check may improve the predictive accuracy of the alerts. For example, if 1,000 consumer records meet the improvement criteria at block 505, the credit score check at block 506 may reduce the number of qualifying consumer records to, for example, 500. The alerts sent to the client at block 507 may include these 500 records. While the number of records is reduced, the client's likelihood to collect from these consumers is increased because their credit scores and individual account activities both reflect financial improvement.
  • CONCLUSION
  • Accordingly, a system is described for monitoring credit activity for one or more consumers over a period of time. When it is determined that a consumer has experienced a positive financial improvement, as defined by client-specific and/or generic financial improvement rules, certain credit service providers are advantageously alerted to this activity so that they may seek payment for outstanding accounts.
  • While the above systems and methods have been described with reference to financial improvements, it will be understood that the invention is not limited to monitoring only improvements. As will be understood by a skilled artisan, financial data may be monitored as described herein, and other rules or triggers may be implemented in order to generate alerts for other activities. For example, clients may wish to be alerted when a client having previously had good standing begins to fall behind in payments to other providers.
  • All of the processes described above may be embodied in, and fully automated via, software code modules executed by one or more general purpose computers. The code modules may be stored in any type of computer-readable medium or other computer storage device. Some of all of the methods may alternatively be embodied in specialized computer hardware. In addition, the components referred to herein may be implemented in hardware, software, firmware, or a combination thereof.
  • Any process descriptions, elements, or blocks in the flow diagrams described herein and/or depicted in the attached figures should be understood as potentially representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or steps in the process. Alternate implementations are included within the scope of the embodiments described herein in which elements or functions may be deleted, executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those skilled in the art.
  • One skilled in the relevant art will appreciate that the methods and systems described above may be implemented by one or more computing devices, such as a memory for storing computer executable components for implementing the processes shown, as well as a process unit for executing such components. It will further be appreciated that the data and/or components described above may be stored on a computer readable medium and loaded into memory of computer device using a drive mechanism associated with a computer readable storing the computer executable components such as a CD-ROM, DVD-ROM, or network interface. Further, the component and/or data can be included in a single device or distributed in any manner.
  • The foregoing description details certain embodiments of the invention. It will be appreciated, however, that no matter how detailed the foregoing appears in text, the invention can be practiced in many ways. As is also stated above, it should be noted that the use of particular terminology when describing certain features or aspects of the invention should not be taken to imply that the terminology is being re-defined herein to be restricted to including any specific characteristics of the features or aspects of the invention with which that terminology is associated. The scope of the invention should therefore be construed in accordance with the appended claims and any equivalents thereof.

Claims (23)

1. A computer implemented method for generating an alert based on consumer financial data, the method comprising:
receiving from a financial service provider a request to monitor a consumer for financial improvements that are indicative of an increased likelihood that the consumer will pay an outstanding debt, the request comprising at least a name and address of a consumer for monitoring;
accessing first financial data associated with the consumer, the first financial data comprising data for each of one or more financial accounts associated with the consumer at a first time;
accessing second financial data associated with the consumer, the second financial data comprising data for each of one or more financial accounts associated with the consumer at a second time, wherein the second time is later than the first time;
comparing the first and second financial data to determine whether a predetermined difference exists between the first financial data and the second financial data, the predetermined difference representing an improvement in one or more of the financial accounts between the first time and the second time such that the consumer appears to be in a better position to make payments towards the outstanding debt; and
generating an alert for transmission to the financial service provider.
2. The computer implemented method of claim 1, wherein the request from the financial service provider comprises at least a name and address of each of a plurality of consumers.
3. The computer implemented method of claim 1, wherein the financial service provider is responsible for collecting the outstanding account balance from the consumer when the predetermined difference is determined to exist.
4. The computer implemented method of claim 1, wherein the comparing further comprises comparing the delinquent status of a first financial account in the first financial data and the delinquent status of the first financial account in of the second financial data.
5. The computer implemented method of claim 1, wherein the comparing further comprises comparing an account balance of a first financial account of the one or more financial accounts in the first financial data and the account balance of the first financial account in the second financial data.
6. The computer implemented method of claim 1, wherein the comparing further comprises comparing the recent payment status of a first financial account of the one or more financial accounts in the first financial data and the recent payment status of the first financial account in the second financial data.
7. The computer implemented method of claim 1, wherein each of the one or more financial accounts associated with the consumer are compared in the comparing step.
8. The computer implemented method of claim 1, wherein each financial account comprises one of: a credit account, a loan account, a real estate account, a revolving account, and an installment account.
9. The computer implemented method of claim 1, wherein the first time and the second time are separated by one of: one day, one week, one month, two months, three months, four month, six months, one year, two years, and five years.
10. The computer implemented method of claim 1, further comprising accessing third financial data associated with the consumer, the third financial data comprising data for each of one or more financial accounts associated with the consumer at a third time, wherein the third time is earlier than the first time and comparing at least the first and the third financial data to determine whether a predetermined difference exists between the first financial data and the third financial data, the predetermined difference representing an improvement in one or more of the financial accounts between the first time and the third time such that the consumer appears to be in a better position to make payments towards the outstanding debt.
11. A computer implemented method for generating alerts based on consumer financial activity, the method comprising:
receiving a list of a plurality of consumers for monitoring;
accessing first financial account data and credit scores of the plurality of consumers at a first time;
accessing second financial account data and credit scores of the plurality of consumers at a second time, wherein the second time is later than the first time;
for each consumer of the plurality of consumers:
determining whether a difference between the second financial account data and the first financial account data meets one or more pre-defined rules indicative of an improvement in the financial health of the consumer; and
adding the consumer to a list of alerts if the financial account data comparison indicates financial improvement;
removing consumers from the list of alerts if a comparison of the consumer's credit score at the second time and the consumer's credit score at the first time does not indicate financial improvement; and
sending the filtered list of alerts.
12. The computer implemented method of claim 11, wherein the determining further comprises detecting the presence of new utilities accounts in the second financial account data.
13. The computer implemented method of claim 11, wherein the filtering further comprises:
determining, for each consumer on the list of alerts, whether the difference between the second credit score and the first credit score meets a pre-defined threshold indicative of an improvement in the financial health of the consumer.
14. The computer implemented method of claim 13, wherein the pre-defined threshold is a difference selected from the group comprising: one point, two points, five points, ten points, and twenty points.
15. The computer implemented method of claim 11, wherein the filtering further comprises:
determining, for each consumer on the list of alerts, whether the second credit score meets a pre-defined score threshold.
16. A computer system for generating alerts based on consumer financial activity, comprising:
a financial database that stores current financial data;
a historical database that stores historical credit data;
a trigger module configured to:
receive a list of consumers to monitor;
access the financial database on a periodic basis and retrieve the current financial data for consumers on the list;
for each consumer, compare the current financial data against the historical financial data stored in the historical database to determine if any differences in the current and historical financial data are indicative of financial improvement for the consumer; and
generate a financial improvement alert indicating those zero or more consumers for which the current and historical financial data are indicative of financial improvement.
17. The computer system of claim 16, wherein the trigger module is configured to compare, for at least some of the consumers on the list, a delinquent status of an account in the current financial data and a delinquent status of the account in the historical financial data.
18. The computer system of claim 16, wherein the trigger module is configured to compare, for at least some of the consumers on the list, an account balance of an account in the current financial data and an account balance of the account in the historical financial data.
19. The computer system of claim 16, wherein the trigger module is configured to detect, for at least some of the consumers on the list, the presence of new utilities accounts in the current credit data.
20. The computer system of claim 16, wherein the trigger module is configured to compare, for at least some of the consumers on the list, the consumer's credit score in the current credit data and the consumer's credit score in the historical credit data and send the alert if the credit score comparison indicates financial improvement.
21. The computer system of claim 16, wherein the trigger module is configured to periodically copy the current credit data from the financial database to the historical database.
22. A computer-readable medium having stored thereon executable code which, when executed by a host system, causes the host system to:
access first financial data associated with one or more financial accounts of a consumer at a first time;
access second financial data associated with one or more financial account at a second time;
compare the first and second financial data to determine whether a predetermined difference exists between the first financial data and the second financial data, the predetermined difference representing an improvement in the consumer's likelihood to make payments towards an outstanding account balance; and
generate an alert indicating the financial improvement.
23. The computer-readable medium of claim 22, wherein the executable code that causes the host system to generate an alert further comprises:
executable code that causes the host system to compare the consumer's credit score obtained at the first time and the consumer's credit score obtained at the second time; and
executable code that causes the host system to send the alert if the comparison of the credit scores indicates financial improvement.
US12/239,647 2007-09-27 2008-09-26 Systems and methods for monitoring financial activities of consumers Abandoned US20090089190A1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US97575407P true 2007-09-27 2007-09-27
US12/239,647 US20090089190A1 (en) 2007-09-27 2008-09-26 Systems and methods for monitoring financial activities of consumers

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US12/239,647 US20090089190A1 (en) 2007-09-27 2008-09-26 Systems and methods for monitoring financial activities of consumers
US15/089,241 US9690820B1 (en) 2007-09-27 2016-04-01 Database system for triggering event notifications based on updates to database records

Related Child Applications (1)

Application Number Title Priority Date Filing Date
US15/089,241 Continuation-In-Part US9690820B1 (en) 2007-09-27 2016-04-01 Database system for triggering event notifications based on updates to database records

Publications (1)

Publication Number Publication Date
US20090089190A1 true US20090089190A1 (en) 2009-04-02

Family

ID=40475168

Family Applications (1)

Application Number Title Priority Date Filing Date
US12/239,647 Abandoned US20090089190A1 (en) 2007-09-27 2008-09-26 Systems and methods for monitoring financial activities of consumers

Country Status (2)

Country Link
US (1) US20090089190A1 (en)
CA (1) CA2639854A1 (en)

Cited By (54)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090299883A1 (en) * 2008-05-30 2009-12-03 Visa U.S.A. Inc. Graduation function for stored value card
US20100100469A1 (en) * 2008-10-16 2010-04-22 Bank Of America Corporation Financial data comparison tool
US20100250420A1 (en) * 2009-03-30 2010-09-30 Bank Of America Corporation Systems and methods for budget guardrails
US20100250419A1 (en) * 2009-03-30 2010-09-30 Bank Of America Corporation Systems and methods for determining a target budget allocation
US20100250430A1 (en) * 2009-03-30 2010-09-30 Bank Of America Corporation Systems and methods for determining a financial health indicator
US20100268696A1 (en) * 2009-04-16 2010-10-21 Brad Nightengale Advanced Warning
US20100325043A1 (en) * 2008-10-16 2010-12-23 Bank Of America Corporation Customized card-building tool
US20110295631A1 (en) * 2010-05-12 2011-12-01 Ontario Systems, Llc Method, system, and computer-readable medium for managing and collecting receivables
US20110302083A1 (en) * 2010-06-07 2011-12-08 Bhinder Mundip S Method and system for controlling access to a financial account
CN102521776A (en) * 2011-12-15 2012-06-27 厦门优微科技有限公司 Method for performing financial analysis on accounting entry
US20130297421A1 (en) * 2012-05-02 2013-11-07 Bank Of America Corporation System and method for analysis of customer interactions to develop comprehensive customer data archives
US8595101B1 (en) * 2008-09-08 2013-11-26 Exerian Information Solutions, Inc. Systems and methods for managing consumer accounts using data migration
US8732004B1 (en) 2004-09-22 2014-05-20 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US20140207638A1 (en) * 2010-04-23 2014-07-24 Joseph J. Janiczek Systems and methods for optimizing wealth
US20140330705A1 (en) * 2013-05-01 2014-11-06 Bank Of America Corporation System and Method for Assembling Credit Data
US8930251B2 (en) 2008-06-18 2015-01-06 Consumerinfo.Com, Inc. Debt trending systems and methods
US9053590B1 (en) 2008-10-23 2015-06-09 Experian Information Solutions, Inc. System and method for monitoring and predicting vehicle attributes
US9147042B1 (en) 2010-11-22 2015-09-29 Experian Information Solutions, Inc. Systems and methods for data verification
US9230283B1 (en) 2007-12-14 2016-01-05 Consumerinfo.Com, Inc. Card registry systems and methods
US9256904B1 (en) 2008-08-14 2016-02-09 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US20160110726A1 (en) * 2014-10-20 2016-04-21 Mastercard International Incorporated Method and system for linking handwriting to transaction data
USD759690S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD759689S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD760256S1 (en) 2014-03-25 2016-06-28 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
US9400589B1 (en) 2002-05-30 2016-07-26 Consumerinfo.Com, Inc. Circular rotational interface for display of consumer credit information
US9406085B1 (en) 2013-03-14 2016-08-02 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US9443268B1 (en) 2013-08-16 2016-09-13 Consumerinfo.Com, Inc. Bill payment and reporting
US9477737B1 (en) 2013-11-20 2016-10-25 Consumerinfo.Com, Inc. Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US9508092B1 (en) 2007-01-31 2016-11-29 Experian Information Solutions, Inc. Systems and methods for providing a direct marketing campaign planning environment
US9536263B1 (en) 2011-10-13 2017-01-03 Consumerinfo.Com, Inc. Debt services candidate locator
US9542553B1 (en) 2011-09-16 2017-01-10 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US9558519B1 (en) 2011-04-29 2017-01-31 Consumerinfo.Com, Inc. Exposing reporting cycle information
US9563916B1 (en) 2006-10-05 2017-02-07 Experian Information Solutions, Inc. System and method for generating a finance attribute from tradeline data
US9569797B1 (en) 2002-05-30 2017-02-14 Consumerinfo.Com, Inc. Systems and methods of presenting simulated credit score information
US9576030B1 (en) 2014-05-07 2017-02-21 Consumerinfo.Com, Inc. Keeping up with the joneses
US9654541B1 (en) 2012-11-12 2017-05-16 Consumerinfo.Com, Inc. Aggregating user web browsing data
US9665854B1 (en) 2011-06-16 2017-05-30 Consumerinfo.Com, Inc. Authentication alerts
US9690820B1 (en) 2007-09-27 2017-06-27 Experian Information Solutions, Inc. Database system for triggering event notifications based on updates to database records
US9697263B1 (en) 2013-03-04 2017-07-04 Experian Information Solutions, Inc. Consumer data request fulfillment system
US9710852B1 (en) 2002-05-30 2017-07-18 Consumerinfo.Com, Inc. Credit report timeline user interface
US9830646B1 (en) 2012-11-30 2017-11-28 Consumerinfo.Com, Inc. Credit score goals and alerts systems and methods
US9853959B1 (en) 2012-05-07 2017-12-26 Consumerinfo.Com, Inc. Storage and maintenance of personal data
US9870589B1 (en) 2013-03-14 2018-01-16 Consumerinfo.Com, Inc. Credit utilization tracking and reporting
US9892457B1 (en) 2014-04-16 2018-02-13 Consumerinfo.Com, Inc. Providing credit data in search results
US10075446B2 (en) 2008-06-26 2018-09-11 Experian Marketing Solutions, Inc. Systems and methods for providing an integrated identifier
US10078868B1 (en) 2007-01-31 2018-09-18 Experian Information Solutions, Inc. System and method for providing an aggregation tool
US10102570B1 (en) 2013-03-14 2018-10-16 Consumerinfo.Com, Inc. Account vulnerability alerts
US10102536B1 (en) 2013-11-15 2018-10-16 Experian Information Solutions, Inc. Micro-geographic aggregation system
US10176233B1 (en) 2011-07-08 2019-01-08 Consumerinfo.Com, Inc. Lifescore
US10242019B1 (en) 2014-12-19 2019-03-26 Experian Information Solutions, Inc. User behavior segmentation using latent topic detection
US10255598B1 (en) 2012-12-06 2019-04-09 Consumerinfo.Com, Inc. Credit card account data extraction
US10262364B2 (en) 2007-12-14 2019-04-16 Consumerinfo.Com, Inc. Card registry systems and methods
US10262362B1 (en) 2014-02-14 2019-04-16 Experian Information Solutions, Inc. Automatic generation of code for attributes
US10325314B1 (en) 2013-11-15 2019-06-18 Consumerinfo.Com, Inc. Payment reporting systems

Citations (99)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3316395A (en) * 1963-05-23 1967-04-25 Credit Corp Comp Credit risk computer
US4827508A (en) * 1986-10-14 1989-05-02 Personal Library Software, Inc. Database usage metering and protection system and method
US4935870A (en) * 1986-12-15 1990-06-19 Keycom Electronic Publishing Apparatus for downloading macro programs and executing a downloaded macro program responding to activation of a single key
US5325509A (en) * 1991-03-05 1994-06-28 Zitel Corporation Method of operating a cache memory including determining desirability of cache ahead or cache behind based on a number of available I/O operations
US5521813A (en) * 1993-01-15 1996-05-28 Strategic Weather Services System and method for the advanced prediction of weather impact on managerial planning applications
US5528701A (en) * 1994-09-02 1996-06-18 Panasonic Technologies, Inc. Trie based method for indexing handwritten databases
US5592560A (en) * 1989-05-01 1997-01-07 Credit Verification Corporation Method and system for building a database and performing marketing based upon prior shopping history
US5640551A (en) * 1993-04-14 1997-06-17 Apple Computer, Inc. Efficient high speed trie search process
US5737732A (en) * 1992-07-06 1998-04-07 1St Desk Systems, Inc. Enhanced metatree data structure for storage indexing and retrieval of information
US5754938A (en) * 1994-11-29 1998-05-19 Herz; Frederick S. M. Pseudonymous server for system for customized electronic identification of desirable objects
US5768423A (en) * 1994-09-02 1998-06-16 Panasonic Technologies Inc. Trie structure based method and apparatus for indexing and searching handwritten databases with dynamic search sequencing
US5774692A (en) * 1995-10-05 1998-06-30 International Business Machines Corporation Outer quantifiers in object-oriented queries and views of database systems
US5881131A (en) * 1993-11-16 1999-03-09 Bell Atlantic Network Services, Inc. Analysis and validation system for provisioning network related facilities
US5884287A (en) * 1996-04-12 1999-03-16 Lfg, Inc. System and method for generating and displaying risk and return in an investment portfolio
US5905985A (en) * 1997-06-30 1999-05-18 International Business Machines Corporation Relational database modifications based on multi-dimensional database modifications
US6018723A (en) * 1997-05-27 2000-01-25 Visa International Service Association Method and apparatus for pattern generation
US6044357A (en) * 1998-05-05 2000-03-28 International Business Machines Corporation Modeling a multifunctional firm operating in a competitive market with multiple brands
US6055570A (en) * 1997-04-03 2000-04-25 Sun Microsystems, Inc. Subscribed update monitors
US6073140A (en) * 1997-07-29 2000-06-06 Acxiom Corporation Method and system for the creation, enhancement and update of remote data using persistent keys
US6098052A (en) * 1998-02-10 2000-08-01 First Usa Bank, N.A. Credit card collection strategy model
US6182060B1 (en) * 1997-04-15 2001-01-30 Robert Hedgcock Method and apparatus for storing, retrieving, and processing multi-dimensional customer-oriented data sets
US6223171B1 (en) * 1998-08-25 2001-04-24 Microsoft Corporation What-if index analysis utility for database systems
US6339769B1 (en) * 1998-09-14 2002-01-15 International Business Machines Corporation Query optimization by transparently altering properties of relational tables using materialized views
US6366903B1 (en) * 2000-04-20 2002-04-02 Microsoft Corporation Index and materialized view selection for a given workload
US6374230B1 (en) * 1997-03-12 2002-04-16 Walker Digital, Llc Method, apparatus and program for customizing credit accounts
US6393406B1 (en) * 1995-10-03 2002-05-21 Value Mines, Inc. Method of and system for valving elements of a business enterprise
US20020077964A1 (en) * 1999-12-15 2002-06-20 Brody Robert M. Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants
US20030018549A1 (en) * 2001-06-07 2003-01-23 Huchen Fei System and method for rapid updating of credit information
US6513018B1 (en) * 1994-05-05 2003-01-28 Fair, Isaac And Company, Inc. Method and apparatus for scoring the likelihood of a desired performance result
US6523022B1 (en) * 1997-06-09 2003-02-18 Allen Hobbs Method and apparatus for selectively augmenting retrieved information from a network resource
US6523041B1 (en) * 1997-07-29 2003-02-18 Acxiom Corporation Data linking system and method using tokens
US6532450B1 (en) * 1998-12-09 2003-03-11 American Management Systems, Inc. Financial management system including an offset payment process
US6542894B1 (en) * 1998-12-09 2003-04-01 Unica Technologies, Inc. Execution of multiple models using data segmentation
US20030065563A1 (en) * 1999-12-01 2003-04-03 Efunds Corporation Method and apparatus for atm-based cross-selling of products and services
US20030097380A1 (en) * 2001-11-19 2003-05-22 Mulhern Robert Kelly System and method for managing and updating information relating to economic entities
US20030097329A1 (en) * 2001-04-06 2003-05-22 Oumar Nabe Methods and systems for identifying early terminating loan customers
US6574623B1 (en) * 2000-08-15 2003-06-03 International Business Machines Corporation Query transformation and simplification for group by queries with rollup/grouping sets in relational database management systems
US20030105728A1 (en) * 2000-05-30 2003-06-05 Seiichi Yano Vehicle resale price analysis system
US20030115122A1 (en) * 2000-10-13 2003-06-19 Slater Michael Sol System and method for alert processing and delivery
US6658393B1 (en) * 1997-05-27 2003-12-02 Visa Internation Service Association Financial risk prediction systems and methods therefor
US20040030667A1 (en) * 2002-08-02 2004-02-12 Capital One Financial Corporation Automated systems and methods for generating statistical models
US20040039688A1 (en) * 2001-10-05 2004-02-26 Nikolas Sulkowski System and method for monitoring managing and valuing credit accounts
US20040039686A1 (en) * 2002-01-10 2004-02-26 Klebanoff Victor Franklin Method and system for detecting payment account fraud
US20040044617A1 (en) * 2002-09-03 2004-03-04 Duojia Lu Methods and systems for enterprise risk auditing and management
US20040044615A1 (en) * 2002-09-03 2004-03-04 Xue Xun Sean Multiple severity and urgency risk events credit scoring system
US6703930B2 (en) * 2001-10-05 2004-03-09 Hewlett-Packard Development Company, L.P. Personal alerting apparatus and methods
US20040111305A1 (en) * 1995-04-21 2004-06-10 Worldcom, Inc. System and method for detecting and managing fraud
US20040111363A1 (en) * 2002-11-18 2004-06-10 First Usa Bank, N.A. Method and system for enhancing credit line management, price management and other discretionary levels setting for financial accounts
US20040122735A1 (en) * 2002-10-09 2004-06-24 Bang Technologies, Llc System, method and apparatus for an integrated marketing vehicle platform
US6839682B1 (en) * 1999-05-06 2005-01-04 Fair Isaac Corporation Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching
US20050004805A1 (en) * 2003-06-10 2005-01-06 Venkataraman Srinivasan System and method of suggestive analysis of customer data
US6847942B1 (en) * 2000-05-02 2005-01-25 General Electric Canada Equipment Finance G.P. Method and apparatus for managing credit inquiries within account receivables
US6850606B2 (en) * 2001-09-25 2005-02-01 Fair Isaac Corporation Self-learning real-time prioritization of telecommunication fraud control actions
US20050027632A1 (en) * 2003-07-31 2005-02-03 Ubs Financial Services, Inc. Financial investment advice system and method
US20050027633A1 (en) * 2003-06-25 2005-02-03 Joey Fortuna Application and processes for the review and adjustment of the full lifecycle of consumer finances
US20050038726A1 (en) * 2003-08-12 2005-02-17 Ewt, Llc On-demand defined securitization methods and systems
US6873972B1 (en) * 2000-08-01 2005-03-29 General Electric Company Systems and methods for credit line monitoring
US6873979B2 (en) * 2000-02-29 2005-03-29 Marketswitch Corporation Method of building predictive models on transactional data
US20050102206A1 (en) * 2003-11-07 2005-05-12 Serkan Savasoglu Systems and methods for contingent obligation retainable deduction securities
US20050102226A1 (en) * 2002-12-30 2005-05-12 Dror Oppenheimer System and method of accounting for mortgage related transactions
US6901406B2 (en) * 1999-12-29 2005-05-31 General Electric Capital Corporation Methods and systems for accessing multi-dimensional customer data
US20050125350A1 (en) * 2003-12-09 2005-06-09 Tidwell Lisa C. Systems and methods for assessing the risk of financial transaction using geographic-related information
US20050130704A1 (en) * 2003-12-15 2005-06-16 Dun & Bradstreet, Inc. Credit limit recommendation
US20050144067A1 (en) * 2003-12-19 2005-06-30 Palo Alto Research Center Incorporated Identifying and reporting unexpected behavior in targeted advertising environment
US6983478B1 (en) * 2000-02-01 2006-01-03 Bellsouth Intellectual Property Corporation Method and system for tracking network use
US20060024199A1 (en) * 2004-07-29 2006-02-02 National Institute Of Advanced Industrial Science Inductively-coupled plasma torch
US7003792B1 (en) * 1998-11-30 2006-02-21 Index Systems, Inc. Smart agent based on habit, statistical inference and psycho-demographic profiling
US7003504B1 (en) * 1998-09-04 2006-02-21 Kalido Limited Data processing system
US20060059073A1 (en) * 2004-09-15 2006-03-16 Walzak Rebecca B System and method for analyzing financial risk
US7028052B2 (en) * 2001-05-10 2006-04-11 Equifax, Inc. Systems and methods for notifying a consumer of changes made to a credit report
US7047251B2 (en) * 2002-11-22 2006-05-16 Accenture Global Services, Gmbh Standardized customer application and record for inputting customer data into analytic models
US20060129428A1 (en) * 2004-11-16 2006-06-15 Health Dialog Services Corporation Systems and methods for predicting healthcare related financial risk
US20070011039A1 (en) * 2003-03-25 2007-01-11 Oddo Anthony S Generating audience analytics
US7184974B2 (en) * 2000-08-08 2007-02-27 Broadleaf Co., Ltd. Online used car information search method, program, and device
US7185016B1 (en) * 2000-09-01 2007-02-27 Cognos Incorporated Methods and transformations for transforming metadata model
US20070067297A1 (en) * 2004-04-30 2007-03-22 Kublickis Peter J System and methods for a micropayment-enabled marketplace with permission-based, self-service, precision-targeted delivery of advertising, entertainment and informational content and relationship marketing to anonymous internet users
US7200602B2 (en) * 2003-02-07 2007-04-03 International Business Machines Corporation Data set comparison and net change processing
US20070083460A1 (en) * 2005-10-07 2007-04-12 Kemesa Corp. Identity theft and fraud protection system and method
US20070094137A1 (en) * 2005-10-26 2007-04-26 Capital One Financial Corporation Systems and methods for processing transaction data to perform a merchant chargeback
US20070106582A1 (en) * 2005-10-04 2007-05-10 Baker James C System and method of detecting fraud
US7340434B2 (en) * 2001-02-16 2008-03-04 Capitol One Financial Corporation Method and apparatus for monitoring guaranteed loans and notifying guarantors
US7367011B2 (en) * 2004-04-13 2008-04-29 International Business Machines Corporation Method, system and program product for developing a data model in a data mining system
US20080103972A1 (en) * 2006-10-25 2008-05-01 Payfont Limited Secure authentication and payment system
US7376603B1 (en) * 1997-08-19 2008-05-20 Fair Isaac Corporation Method and system for evaluating customers of a financial institution using customer relationship value tags
US20080120155A1 (en) * 1998-04-27 2008-05-22 Robert Kenneth Pliha Systems and methods for distributing targeted incentives to financial institution customers
US20090024505A1 (en) * 2007-06-28 2009-01-22 Cashedge, Inc. Global Risk Administration Method and System
US20090044279A1 (en) * 2007-05-11 2009-02-12 Fair Isaac Corporation Systems and methods for fraud detection via interactive link analysis
US7536346B2 (en) * 2001-10-29 2009-05-19 Equifax, Inc. System and method for facilitating reciprocative small business financial information exchanges
US7653593B2 (en) * 2007-11-08 2010-01-26 Equifax, Inc. Macroeconomic-adjusted credit risk score systems and methods
US7668840B2 (en) * 2002-11-14 2010-02-23 Lexisnexis Risk Data Management Inc. System and method for configuring a parallel-processing database system
US7672865B2 (en) * 2005-10-21 2010-03-02 Fair Isaac Corporation Method and apparatus for retail data mining using pair-wise co-occurrence consistency
US7686214B1 (en) * 2003-05-12 2010-03-30 Id Analytics, Inc. System and method for identity-based fraud detection using a plurality of historical identity records
US7698163B2 (en) * 2002-11-22 2010-04-13 Accenture Global Services Gmbh Multi-dimensional segmentation for use in a customer interaction
US7707059B2 (en) * 2002-11-22 2010-04-27 Accenture Global Services Gmbh Adaptive marketing using insight driven customer interaction
US7725300B2 (en) * 2004-04-16 2010-05-25 Fortelligent, Inc. Target profiling in predictive modeling
US20110047071A1 (en) * 2008-02-29 2011-02-24 American Express Travel Related Services Compnay, Inc. Total structural risk model
US7912770B2 (en) * 2004-10-29 2011-03-22 American Express Travel Related Services Company, Inc. Method and apparatus for consumer interaction based on spend capacity
US20110093383A1 (en) * 2008-03-28 2011-04-21 American Express Travel Related Services Company, Inc. Consumer behaviors at lender level
US20110112958A1 (en) * 2008-03-28 2011-05-12 American Express Travel Related Services Company, Inc. Consumer behaviors at lender level

Patent Citations (101)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3316395A (en) * 1963-05-23 1967-04-25 Credit Corp Comp Credit risk computer
US4827508A (en) * 1986-10-14 1989-05-02 Personal Library Software, Inc. Database usage metering and protection system and method
US4935870A (en) * 1986-12-15 1990-06-19 Keycom Electronic Publishing Apparatus for downloading macro programs and executing a downloaded macro program responding to activation of a single key
US5592560A (en) * 1989-05-01 1997-01-07 Credit Verification Corporation Method and system for building a database and performing marketing based upon prior shopping history
US5325509A (en) * 1991-03-05 1994-06-28 Zitel Corporation Method of operating a cache memory including determining desirability of cache ahead or cache behind based on a number of available I/O operations
US5737732A (en) * 1992-07-06 1998-04-07 1St Desk Systems, Inc. Enhanced metatree data structure for storage indexing and retrieval of information
US5521813A (en) * 1993-01-15 1996-05-28 Strategic Weather Services System and method for the advanced prediction of weather impact on managerial planning applications
US5640551A (en) * 1993-04-14 1997-06-17 Apple Computer, Inc. Efficient high speed trie search process
US5881131A (en) * 1993-11-16 1999-03-09 Bell Atlantic Network Services, Inc. Analysis and validation system for provisioning network related facilities
US6513018B1 (en) * 1994-05-05 2003-01-28 Fair, Isaac And Company, Inc. Method and apparatus for scoring the likelihood of a desired performance result
US5768423A (en) * 1994-09-02 1998-06-16 Panasonic Technologies Inc. Trie structure based method and apparatus for indexing and searching handwritten databases with dynamic search sequencing
US5528701A (en) * 1994-09-02 1996-06-18 Panasonic Technologies, Inc. Trie based method for indexing handwritten databases
US5754938A (en) * 1994-11-29 1998-05-19 Herz; Frederick S. M. Pseudonymous server for system for customized electronic identification of desirable objects
US20040111305A1 (en) * 1995-04-21 2004-06-10 Worldcom, Inc. System and method for detecting and managing fraud
US6393406B1 (en) * 1995-10-03 2002-05-21 Value Mines, Inc. Method of and system for valving elements of a business enterprise
US5774692A (en) * 1995-10-05 1998-06-30 International Business Machines Corporation Outer quantifiers in object-oriented queries and views of database systems
US5884287A (en) * 1996-04-12 1999-03-16 Lfg, Inc. System and method for generating and displaying risk and return in an investment portfolio
US6374230B1 (en) * 1997-03-12 2002-04-16 Walker Digital, Llc Method, apparatus and program for customizing credit accounts
US6055570A (en) * 1997-04-03 2000-04-25 Sun Microsystems, Inc. Subscribed update monitors
US6182060B1 (en) * 1997-04-15 2001-01-30 Robert Hedgcock Method and apparatus for storing, retrieving, and processing multi-dimensional customer-oriented data sets
US6018723A (en) * 1997-05-27 2000-01-25 Visa International Service Association Method and apparatus for pattern generation
US6658393B1 (en) * 1997-05-27 2003-12-02 Visa Internation Service Association Financial risk prediction systems and methods therefor
US6523022B1 (en) * 1997-06-09 2003-02-18 Allen Hobbs Method and apparatus for selectively augmenting retrieved information from a network resource
US5905985A (en) * 1997-06-30 1999-05-18 International Business Machines Corporation Relational database modifications based on multi-dimensional database modifications
US6523041B1 (en) * 1997-07-29 2003-02-18 Acxiom Corporation Data linking system and method using tokens
US6073140A (en) * 1997-07-29 2000-06-06 Acxiom Corporation Method and system for the creation, enhancement and update of remote data using persistent keys
US7376603B1 (en) * 1997-08-19 2008-05-20 Fair Isaac Corporation Method and system for evaluating customers of a financial institution using customer relationship value tags
US6098052A (en) * 1998-02-10 2000-08-01 First Usa Bank, N.A. Credit card collection strategy model
US20080120155A1 (en) * 1998-04-27 2008-05-22 Robert Kenneth Pliha Systems and methods for distributing targeted incentives to financial institution customers
US6044357A (en) * 1998-05-05 2000-03-28 International Business Machines Corporation Modeling a multifunctional firm operating in a competitive market with multiple brands
US6223171B1 (en) * 1998-08-25 2001-04-24 Microsoft Corporation What-if index analysis utility for database systems
US7003504B1 (en) * 1998-09-04 2006-02-21 Kalido Limited Data processing system
US6339769B1 (en) * 1998-09-14 2002-01-15 International Business Machines Corporation Query optimization by transparently altering properties of relational tables using materialized views
US7003792B1 (en) * 1998-11-30 2006-02-21 Index Systems, Inc. Smart agent based on habit, statistical inference and psycho-demographic profiling
US6532450B1 (en) * 1998-12-09 2003-03-11 American Management Systems, Inc. Financial management system including an offset payment process
US6542894B1 (en) * 1998-12-09 2003-04-01 Unica Technologies, Inc. Execution of multiple models using data segmentation
US6839682B1 (en) * 1999-05-06 2005-01-04 Fair Isaac Corporation Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching
US20030065563A1 (en) * 1999-12-01 2003-04-03 Efunds Corporation Method and apparatus for atm-based cross-selling of products and services
US20020077964A1 (en) * 1999-12-15 2002-06-20 Brody Robert M. Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants
US6901406B2 (en) * 1999-12-29 2005-05-31 General Electric Capital Corporation Methods and systems for accessing multi-dimensional customer data
US6983478B1 (en) * 2000-02-01 2006-01-03 Bellsouth Intellectual Property Corporation Method and system for tracking network use
US6873979B2 (en) * 2000-02-29 2005-03-29 Marketswitch Corporation Method of building predictive models on transactional data
US6366903B1 (en) * 2000-04-20 2002-04-02 Microsoft Corporation Index and materialized view selection for a given workload
US6847942B1 (en) * 2000-05-02 2005-01-25 General Electric Canada Equipment Finance G.P. Method and apparatus for managing credit inquiries within account receivables
US20030105728A1 (en) * 2000-05-30 2003-06-05 Seiichi Yano Vehicle resale price analysis system
US6873972B1 (en) * 2000-08-01 2005-03-29 General Electric Company Systems and methods for credit line monitoring
US7184974B2 (en) * 2000-08-08 2007-02-27 Broadleaf Co., Ltd. Online used car information search method, program, and device
US6574623B1 (en) * 2000-08-15 2003-06-03 International Business Machines Corporation Query transformation and simplification for group by queries with rollup/grouping sets in relational database management systems
US7185016B1 (en) * 2000-09-01 2007-02-27 Cognos Incorporated Methods and transformations for transforming metadata model
US20030115122A1 (en) * 2000-10-13 2003-06-19 Slater Michael Sol System and method for alert processing and delivery
US7340434B2 (en) * 2001-02-16 2008-03-04 Capitol One Financial Corporation Method and apparatus for monitoring guaranteed loans and notifying guarantors
US20030097329A1 (en) * 2001-04-06 2003-05-22 Oumar Nabe Methods and systems for identifying early terminating loan customers
US7028052B2 (en) * 2001-05-10 2006-04-11 Equifax, Inc. Systems and methods for notifying a consumer of changes made to a credit report
US20030018549A1 (en) * 2001-06-07 2003-01-23 Huchen Fei System and method for rapid updating of credit information
US6850606B2 (en) * 2001-09-25 2005-02-01 Fair Isaac Corporation Self-learning real-time prioritization of telecommunication fraud control actions
US20040039688A1 (en) * 2001-10-05 2004-02-26 Nikolas Sulkowski System and method for monitoring managing and valuing credit accounts
US6703930B2 (en) * 2001-10-05 2004-03-09 Hewlett-Packard Development Company, L.P. Personal alerting apparatus and methods
US7536346B2 (en) * 2001-10-29 2009-05-19 Equifax, Inc. System and method for facilitating reciprocative small business financial information exchanges
US7370044B2 (en) * 2001-11-19 2008-05-06 Equifax, Inc. System and method for managing and updating information relating to economic entities
US20030097380A1 (en) * 2001-11-19 2003-05-22 Mulhern Robert Kelly System and method for managing and updating information relating to economic entities
US20040039686A1 (en) * 2002-01-10 2004-02-26 Klebanoff Victor Franklin Method and system for detecting payment account fraud
US20040030667A1 (en) * 2002-08-02 2004-02-12 Capital One Financial Corporation Automated systems and methods for generating statistical models
US20040044615A1 (en) * 2002-09-03 2004-03-04 Xue Xun Sean Multiple severity and urgency risk events credit scoring system
US20040044617A1 (en) * 2002-09-03 2004-03-04 Duojia Lu Methods and systems for enterprise risk auditing and management
US20040122735A1 (en) * 2002-10-09 2004-06-24 Bang Technologies, Llc System, method and apparatus for an integrated marketing vehicle platform
US7668840B2 (en) * 2002-11-14 2010-02-23 Lexisnexis Risk Data Management Inc. System and method for configuring a parallel-processing database system
US20040111363A1 (en) * 2002-11-18 2004-06-10 First Usa Bank, N.A. Method and system for enhancing credit line management, price management and other discretionary levels setting for financial accounts
US7698163B2 (en) * 2002-11-22 2010-04-13 Accenture Global Services Gmbh Multi-dimensional segmentation for use in a customer interaction
US7707059B2 (en) * 2002-11-22 2010-04-27 Accenture Global Services Gmbh Adaptive marketing using insight driven customer interaction
US7047251B2 (en) * 2002-11-22 2006-05-16 Accenture Global Services, Gmbh Standardized customer application and record for inputting customer data into analytic models
US20050102226A1 (en) * 2002-12-30 2005-05-12 Dror Oppenheimer System and method of accounting for mortgage related transactions
US7200602B2 (en) * 2003-02-07 2007-04-03 International Business Machines Corporation Data set comparison and net change processing
US20070011039A1 (en) * 2003-03-25 2007-01-11 Oddo Anthony S Generating audience analytics
US7686214B1 (en) * 2003-05-12 2010-03-30 Id Analytics, Inc. System and method for identity-based fraud detection using a plurality of historical identity records
US20050004805A1 (en) * 2003-06-10 2005-01-06 Venkataraman Srinivasan System and method of suggestive analysis of customer data
US20050027633A1 (en) * 2003-06-25 2005-02-03 Joey Fortuna Application and processes for the review and adjustment of the full lifecycle of consumer finances
US20050027632A1 (en) * 2003-07-31 2005-02-03 Ubs Financial Services, Inc. Financial investment advice system and method
US20050038726A1 (en) * 2003-08-12 2005-02-17 Ewt, Llc On-demand defined securitization methods and systems
US20050102206A1 (en) * 2003-11-07 2005-05-12 Serkan Savasoglu Systems and methods for contingent obligation retainable deduction securities
US20050125350A1 (en) * 2003-12-09 2005-06-09 Tidwell Lisa C. Systems and methods for assessing the risk of financial transaction using geographic-related information
US20050130704A1 (en) * 2003-12-15 2005-06-16 Dun & Bradstreet, Inc. Credit limit recommendation
US20050144067A1 (en) * 2003-12-19 2005-06-30 Palo Alto Research Center Incorporated Identifying and reporting unexpected behavior in targeted advertising environment
US7367011B2 (en) * 2004-04-13 2008-04-29 International Business Machines Corporation Method, system and program product for developing a data model in a data mining system
US7725300B2 (en) * 2004-04-16 2010-05-25 Fortelligent, Inc. Target profiling in predictive modeling
US20070067297A1 (en) * 2004-04-30 2007-03-22 Kublickis Peter J System and methods for a micropayment-enabled marketplace with permission-based, self-service, precision-targeted delivery of advertising, entertainment and informational content and relationship marketing to anonymous internet users
US20060024199A1 (en) * 2004-07-29 2006-02-02 National Institute Of Advanced Industrial Science Inductively-coupled plasma torch
US20060059073A1 (en) * 2004-09-15 2006-03-16 Walzak Rebecca B System and method for analyzing financial risk
US7912770B2 (en) * 2004-10-29 2011-03-22 American Express Travel Related Services Company, Inc. Method and apparatus for consumer interaction based on spend capacity
US20060129428A1 (en) * 2004-11-16 2006-06-15 Health Dialog Services Corporation Systems and methods for predicting healthcare related financial risk
US20070106582A1 (en) * 2005-10-04 2007-05-10 Baker James C System and method of detecting fraud
US7668769B2 (en) * 2005-10-04 2010-02-23 Basepoint Analytics, LLC System and method of detecting fraud
US20070083460A1 (en) * 2005-10-07 2007-04-12 Kemesa Corp. Identity theft and fraud protection system and method
US7672865B2 (en) * 2005-10-21 2010-03-02 Fair Isaac Corporation Method and apparatus for retail data mining using pair-wise co-occurrence consistency
US20070094137A1 (en) * 2005-10-26 2007-04-26 Capital One Financial Corporation Systems and methods for processing transaction data to perform a merchant chargeback
US20080103972A1 (en) * 2006-10-25 2008-05-01 Payfont Limited Secure authentication and payment system
US20090044279A1 (en) * 2007-05-11 2009-02-12 Fair Isaac Corporation Systems and methods for fraud detection via interactive link analysis
US20090024505A1 (en) * 2007-06-28 2009-01-22 Cashedge, Inc. Global Risk Administration Method and System
US7653593B2 (en) * 2007-11-08 2010-01-26 Equifax, Inc. Macroeconomic-adjusted credit risk score systems and methods
US20110047071A1 (en) * 2008-02-29 2011-02-24 American Express Travel Related Services Compnay, Inc. Total structural risk model
US20110112958A1 (en) * 2008-03-28 2011-05-12 American Express Travel Related Services Company, Inc. Consumer behaviors at lender level
US20110093383A1 (en) * 2008-03-28 2011-04-21 American Express Travel Related Services Company, Inc. Consumer behaviors at lender level

Cited By (80)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9400589B1 (en) 2002-05-30 2016-07-26 Consumerinfo.Com, Inc. Circular rotational interface for display of consumer credit information
US9569797B1 (en) 2002-05-30 2017-02-14 Consumerinfo.Com, Inc. Systems and methods of presenting simulated credit score information
US9710852B1 (en) 2002-05-30 2017-07-18 Consumerinfo.Com, Inc. Credit report timeline user interface
US8732004B1 (en) 2004-09-22 2014-05-20 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US10121194B1 (en) 2006-10-05 2018-11-06 Experian Information Solutions, Inc. System and method for generating a finance attribute from tradeline data
US9563916B1 (en) 2006-10-05 2017-02-07 Experian Information Solutions, Inc. System and method for generating a finance attribute from tradeline data
US10078868B1 (en) 2007-01-31 2018-09-18 Experian Information Solutions, Inc. System and method for providing an aggregation tool
US9508092B1 (en) 2007-01-31 2016-11-29 Experian Information Solutions, Inc. Systems and methods for providing a direct marketing campaign planning environment
US9916596B1 (en) 2007-01-31 2018-03-13 Experian Information Solutions, Inc. Systems and methods for providing a direct marketing campaign planning environment
US10311466B1 (en) 2007-01-31 2019-06-04 Experian Information Solutions, Inc. Systems and methods for providing a direct marketing campaign planning environment
US9690820B1 (en) 2007-09-27 2017-06-27 Experian Information Solutions, Inc. Database system for triggering event notifications based on updates to database records
US9542682B1 (en) 2007-12-14 2017-01-10 Consumerinfo.Com, Inc. Card registry systems and methods
US9767513B1 (en) 2007-12-14 2017-09-19 Consumerinfo.Com, Inc. Card registry systems and methods
US9230283B1 (en) 2007-12-14 2016-01-05 Consumerinfo.Com, Inc. Card registry systems and methods
US10262364B2 (en) 2007-12-14 2019-04-16 Consumerinfo.Com, Inc. Card registry systems and methods
US20090299883A1 (en) * 2008-05-30 2009-12-03 Visa U.S.A. Inc. Graduation function for stored value card
US8930251B2 (en) 2008-06-18 2015-01-06 Consumerinfo.Com, Inc. Debt trending systems and methods
US10075446B2 (en) 2008-06-26 2018-09-11 Experian Marketing Solutions, Inc. Systems and methods for providing an integrated identifier
US9256904B1 (en) 2008-08-14 2016-02-09 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US9792648B1 (en) 2008-08-14 2017-10-17 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US9489694B2 (en) 2008-08-14 2016-11-08 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US10115155B1 (en) 2008-08-14 2018-10-30 Experian Information Solution, Inc. Multi-bureau credit file freeze and unfreeze
US8595101B1 (en) * 2008-09-08 2013-11-26 Exerian Information Solutions, Inc. Systems and methods for managing consumer accounts using data migration
US20100325043A1 (en) * 2008-10-16 2010-12-23 Bank Of America Corporation Customized card-building tool
US20100100469A1 (en) * 2008-10-16 2010-04-22 Bank Of America Corporation Financial data comparison tool
US9053589B1 (en) 2008-10-23 2015-06-09 Experian Information Solutions, Inc. System and method for monitoring and predicting vehicle attributes
US9076276B1 (en) 2008-10-23 2015-07-07 Experian Information Solutions, Inc. System and method for monitoring and predicting vehicle attributes
US9053590B1 (en) 2008-10-23 2015-06-09 Experian Information Solutions, Inc. System and method for monitoring and predicting vehicle attributes
US8412622B2 (en) * 2009-03-30 2013-04-02 Bank Of America Corporation Systems and methods for determining a financial health indicator
US20100250420A1 (en) * 2009-03-30 2010-09-30 Bank Of America Corporation Systems and methods for budget guardrails
US20100250419A1 (en) * 2009-03-30 2010-09-30 Bank Of America Corporation Systems and methods for determining a target budget allocation
US20100250430A1 (en) * 2009-03-30 2010-09-30 Bank Of America Corporation Systems and methods for determining a financial health indicator
US8903735B2 (en) 2009-04-16 2014-12-02 Visa International Service Association System and method for pushing advanced warning alerts
US8380569B2 (en) * 2009-04-16 2013-02-19 Visa International Service Association, Inc. Method and system for advanced warning alerts using advanced identification system for identifying fraud detection and reporting
US20100268696A1 (en) * 2009-04-16 2010-10-21 Brad Nightengale Advanced Warning
US8903739B1 (en) * 2010-04-23 2014-12-02 Wealth With Ease, Llc Systems and methods for optimizing wealth
US20140207638A1 (en) * 2010-04-23 2014-07-24 Joseph J. Janiczek Systems and methods for optimizing wealth
US20110295631A1 (en) * 2010-05-12 2011-12-01 Ontario Systems, Llc Method, system, and computer-readable medium for managing and collecting receivables
US8335740B2 (en) * 2010-05-12 2012-12-18 Ontario Systems, Llc Method, system, and computer-readable medium for managing and collecting receivables
US20110302083A1 (en) * 2010-06-07 2011-12-08 Bhinder Mundip S Method and system for controlling access to a financial account
US9965757B2 (en) * 2010-06-07 2018-05-08 |Am| Authentications Inc. Method and system for controlling access to a financial account
US9147042B1 (en) 2010-11-22 2015-09-29 Experian Information Solutions, Inc. Systems and methods for data verification
US9684905B1 (en) 2010-11-22 2017-06-20 Experian Information Solutions, Inc. Systems and methods for data verification
US9558519B1 (en) 2011-04-29 2017-01-31 Consumerinfo.Com, Inc. Exposing reporting cycle information
US9665854B1 (en) 2011-06-16 2017-05-30 Consumerinfo.Com, Inc. Authentication alerts
US10115079B1 (en) 2011-06-16 2018-10-30 Consumerinfo.Com, Inc. Authentication alerts
US10176233B1 (en) 2011-07-08 2019-01-08 Consumerinfo.Com, Inc. Lifescore
US9542553B1 (en) 2011-09-16 2017-01-10 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US10061936B1 (en) 2011-09-16 2018-08-28 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US9972048B1 (en) 2011-10-13 2018-05-15 Consumerinfo.Com, Inc. Debt services candidate locator
US9536263B1 (en) 2011-10-13 2017-01-03 Consumerinfo.Com, Inc. Debt services candidate locator
CN102521776A (en) * 2011-12-15 2012-06-27 厦门优微科技有限公司 Method for performing financial analysis on accounting entry
US20130297421A1 (en) * 2012-05-02 2013-11-07 Bank Of America Corporation System and method for analysis of customer interactions to develop comprehensive customer data archives
US9853959B1 (en) 2012-05-07 2017-12-26 Consumerinfo.Com, Inc. Storage and maintenance of personal data
US10277659B1 (en) 2012-11-12 2019-04-30 Consumerinfo.Com, Inc. Aggregating user web browsing data
US9654541B1 (en) 2012-11-12 2017-05-16 Consumerinfo.Com, Inc. Aggregating user web browsing data
US9830646B1 (en) 2012-11-30 2017-11-28 Consumerinfo.Com, Inc. Credit score goals and alerts systems and methods
US10255598B1 (en) 2012-12-06 2019-04-09 Consumerinfo.Com, Inc. Credit card account data extraction
US9697263B1 (en) 2013-03-04 2017-07-04 Experian Information Solutions, Inc. Consumer data request fulfillment system
US9406085B1 (en) 2013-03-14 2016-08-02 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US10102570B1 (en) 2013-03-14 2018-10-16 Consumerinfo.Com, Inc. Account vulnerability alerts
US9697568B1 (en) 2013-03-14 2017-07-04 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US9870589B1 (en) 2013-03-14 2018-01-16 Consumerinfo.Com, Inc. Credit utilization tracking and reporting
US10043214B1 (en) 2013-03-14 2018-08-07 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US20140330705A1 (en) * 2013-05-01 2014-11-06 Bank Of America Corporation System and Method for Assembling Credit Data
US9443268B1 (en) 2013-08-16 2016-09-13 Consumerinfo.Com, Inc. Bill payment and reporting
US10325314B1 (en) 2013-11-15 2019-06-18 Consumerinfo.Com, Inc. Payment reporting systems
US10102536B1 (en) 2013-11-15 2018-10-16 Experian Information Solutions, Inc. Micro-geographic aggregation system
US10269065B1 (en) 2013-11-15 2019-04-23 Consumerinfo.Com, Inc. Bill payment and reporting
US10025842B1 (en) 2013-11-20 2018-07-17 Consumerinfo.Com, Inc. Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US9477737B1 (en) 2013-11-20 2016-10-25 Consumerinfo.Com, Inc. Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US10262362B1 (en) 2014-02-14 2019-04-16 Experian Information Solutions, Inc. Automatic generation of code for attributes
USD760256S1 (en) 2014-03-25 2016-06-28 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD759689S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD759690S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
US9892457B1 (en) 2014-04-16 2018-02-13 Consumerinfo.Com, Inc. Providing credit data in search results
US10019508B1 (en) 2014-05-07 2018-07-10 Consumerinfo.Com, Inc. Keeping up with the joneses
US9576030B1 (en) 2014-05-07 2017-02-21 Consumerinfo.Com, Inc. Keeping up with the joneses
US20160110726A1 (en) * 2014-10-20 2016-04-21 Mastercard International Incorporated Method and system for linking handwriting to transaction data
US10242019B1 (en) 2014-12-19 2019-03-26 Experian Information Solutions, Inc. User behavior segmentation using latent topic detection

Also Published As

Publication number Publication date
CA2639854A1 (en) 2009-03-27

Similar Documents

Publication Publication Date Title
US7711637B2 (en) Automated political risk management
US8762376B2 (en) Financial-service structured content manager
US8165993B2 (en) Business intelligence system with interface that provides for immediate user action
US8990254B2 (en) Loan origination software system for processing mortgage loans over a distributed network
US20120116954A1 (en) Automated global risk management
US20030149656A1 (en) Home asset management account
US7912865B2 (en) System and method for linking multiple entities in a business database
US20060129481A1 (en) System and method for self-monitoring credit information
US20120246060A1 (en) Loan management, real-time monitoring, analytics, and data refresh system and method
US8799150B2 (en) System and method for predicting consumer credit risk using income risk based credit score
US20170262821A1 (en) Method for future payment transactions
US9741073B2 (en) Optimizing aggregation routing over a network
US20020198822A1 (en) Method and apparatus for evaluating an application for a financial product
US7076462B1 (en) System and method for electronic loan application and for correcting credit report errors
US8195549B2 (en) Systems and methods of on-line credit information monitoring and control
US7747520B2 (en) Method and system for monitoring for and reporting of lien distress events
Orpurt et al. Do direct cash flow disclosures help predict future operating cash flows and earnings?
US7620592B2 (en) Tiered processing method and system for identifying and mitigating merchant risk
US9589300B2 (en) Enhanced transaction resolution techniques
US20030120586A1 (en) Systems and methods to facilitate analysis of commercial credit customers
US20060212386A1 (en) Credit scoring method and system
US7584146B1 (en) Consumer credit data storage system
US7904366B2 (en) Method and system to determine resident qualifications
US8498930B2 (en) System and method for credit forecasting
US8036928B2 (en) Methods and apparatus for assessing operational process quality and risk

Legal Events

Date Code Title Description
AS Assignment

Owner name: EXPERIAN INFORMATION SOLUTIONS, INC., CALIFORNIA

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:GIRULAT, JR., ROLLIN M.;REEL/FRAME:021982/0754

Effective date: 20081211

AS Assignment

Owner name: LIFE TECHNOLOGIES CORPORATION, CALIFORNIA

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:ACOUSTIC CYTOMETRY SYSTEMS, INC.;REEL/FRAME:022882/0160

Effective date: 20090619

STCB Information on status: application discontinuation

Free format text: ABANDONED -- FAILURE TO RESPOND TO AN OFFICE ACTION